GOCOHIGH SIGNALFINANCIAL10-K

GOCO's balance sheet shows severe deterioration with stockholders' equity collapsing by 84% and accounts receivable nearly eliminated, while debt increased substantially.

The dramatic decline in stockholders' equity from $241.8M to $37.9M signals potential significant losses or dilutive capital structure changes that have severely impaired shareholder value. The near-complete elimination of accounts receivable (down 98%) combined with rising debt levels suggests either a major business model shift or collection difficulties that could indicate operational distress.

Comparing 2026-03-31 vs 2025-02-27View on EDGAR →
FINANCIAL ANALYSIS

GOCO's financial position deteriorated markedly, with stockholders' equity falling 84% to $37.9M and accounts receivable nearly disappearing (down 98% to just $72K). While the company reduced current liabilities by 58%, total debt rose 31% to $636.7M and interest expense increased 22%, creating a more leveraged capital structure. The overall picture suggests significant financial stress, with total assets declining 34% and cash position weakening, indicating potential liquidity or operational challenges requiring immediate investor attention.

FINANCIAL STATEMENT CHANGES
Accounts Receivable
Balance Sheet
-98.4%
$4.5M$72K

Receivables declined — improved collection efficiency or conservative revenue recognition.

Stockholders Equity
Balance Sheet
-84.3%
$241.8M$37.9M

Equity declined sharply — large losses, buybacks, or write-downs reducing book value significantly.

Current Liabilities
Balance Sheet
-58.1%
$338.1M$141.5M

Current liabilities reduced — improved short-term financial position and working capital health.

Total Assets
Balance Sheet
-33.7%
$1.5B$987.4M

Total assets contracted 33.7% — asset sales, write-downs, or balance sheet optimization underway.

Total Debt
Balance Sheet
+30.6%
$487.4M$636.7M

Debt increased 30.6% — substantial leverage increase; assess whether deployed for growth or covering losses.

Current Assets
Balance Sheet
-28.6%
$400.4M$285.8M

Current assets declined 28.6% — monitor working capital adequacy and short-term liquidity.

Interest Expense
P&L
+21.7%
$57.1M$69.5M

Interest costs rose 21.7% — monitor debt levels and coverage ratio in rising rate environment.

Cash & Equivalents
Balance Sheet
-19.6%
$40.9M$32.9M

Cash decreased 19.6% — monitor burn rate and upcoming capital needs.

LANGUAGE CHANGES
NEW — 2026-03-31
PRIOR — 2025-02-27
ADDED
As of March 24, 2026, the registrant had 16,225,250 shares of Class A common stock, $0.0001 par value per share, outstanding and 12,620,884 shares of Class B common stock, $0.0001 par value per share, outstanding.
2025 Form 10-K 1 Former Profits Unit Holders refer collectively to certain of our directors and certain current and former officers and employees, in each case, who directly or indirectly held existing vested and unvested profits units, which were comprised of profits units that have time-based vesting conditions and profits units that have performance-based vesting conditions, of GHH, LLC pursuant to GHH, LLC s existing profits unit plan and who received LLC Interests in exchange for their profits units in connection with the Transactions.
2025 Form 10-K 3 Management s Discussion and Analysis of Financial Condition and Results of Operations of this Annual Report on Form 10-K.
The most relevant business and operating metrics are as follows: Direct Operating Cost of Submission is an operating metric that represents costs directly attributable to Submissions generated during a reporting period and excludes costs that are indirect or fixed.
Submission refers to either (i) a completed Medicare application with our licensed agent that is submitted to the health plan partner and subsequently approved by the health plan partner during the indicated period, (ii) a transfer by our agent to the health plan partner through the Encompass operating model during the indicated period, or (iii) a completed GoHealth Protect application with our licensed agent that is submitted, approved by the health plan partner, and for which the payment information was received by the health plan partner during the indicated period.
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REMOVED
As of February 20, 2025, the registrant had 10,385,777 shares of Class A common stock, $0.0001 par value per share, outstanding and 12,623,288 shares of Class B common stock, $0.0001 par value per share, outstanding.
Statements regarding our future results of operations and financial position, business strategy and plans and objectives of management for future operations, including, among others, statements regarding our expected growth, future capital expenditures, debt service obligations, adoption and use of artificial intelligence technologies, the impact on our business from the acquisition of e-TeleQuote Insurance, Inc.
( e-TeleQuote ) and our ability to successfully integrate e-TeleQuote s operations, technologies and employees into our business, are forward-looking statements.
Former Profits Unit Holders refer collectively to certain of our directors and certain current and former officers and employees, in each case, who directly or indirectly held existing vested and unvested profits units, which were GoHealth, Inc.
2024 Form 10-K 1 comprised of profits units that have time-based vesting conditions and profits units that have performance-based vesting conditions, of GHH, LLC pursuant to GHH, LLC s existing profits unit plan and who received LLC Interests in exchange for their profits units in connection with the Transactions.
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